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Prior to November 2019, however, Oklahoma law limited short-term health insurance plans to six months and prohibited renewal. This is referenced in 36 O.S. § 6060.4(C)(2)(f), and a 2011 bulletin from the Oklahoma Insurance Department (LH 2011-01) noted that “short-term health insurance issued on a nonrenewable basis” was exempt from the state’s rate filing and review process. The Oklahoma Insurance Department confirmed this in a bulletin (LH 2018-03) issued in September 2018, and it continued to be in effect through October 2019.

Oklahoma’s new rule — allowing short-term plans to comply with federal duration limits instead of the six-month limit the state had previously imposed — is a result of SB993, which was enacted in Oklahoma in June 2019 and took effect November 1, 2019.

Which insurers offer short-term plans in Oklahoma?

At least nine insurers offer short-term plans in Oklahoma as of mid-2019: